1Annual Percentage Yield (APY) offered is accurate as of 6/1/14. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening. $100 is the minimum to open a Business Checking account.

1Annual Percentage Yield (APY) offered is accurate as of 6/1/14. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening. $25 is the minimum to open a Statement Savings account.

1Annual Percentage Yield (APY) offered is accurate as of 6/1/14. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening. $2,500 is the minimum to open a regular Money Market account.

1Annual Percentage Yield (APY) offered is accurate as of 6/1/14. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal. Rates and terms may change without notice after account opening. Prime = Wall Street Journal Prime Rate, which is 3.25% as of 6/1/14.

2A higher rate is given during the initial term of CDs with direct deposit of payroll or retirement income into a GRB account.

*APR = Annual Percentage Rate. The APRs shown are current as of 5/31/13 and are available to a customer who has the credit score required by GRB for its best rate, whose loan or line of credit meets any applicable loan-to- value requirement and, in the case of a home equity loan or line of credit, whose loan or line of credit is secured by the customer’s primary residence. Higher APRs are available to customers who do not meet these criteria. All rates and terms are subject to credit qualification. Rates are subject to change without notice after account opening.

**A Deposit Relationship is defined as having payments auto-deducted from a GRB deposit account or direct deposit of income into a GRB deposit account.

GRB Home equity loan rates are fixed for the first five years. At the end of five years, the loan balance is due in full (balloon payment). A home equity loan may potentially be refinanced at the balloon date, subject to bank approval. Minimum amortization is five years; maximum amortization is fifteen years. Examples of monthly payments for a home equity loan are as follows: The monthly payment for a fixed rate home equity loan of $30,000 with an amortization of 120 months would be $340.64. The balloon payment of $17,654.87 would be due in full at 60 months (five years). Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

*APR = Annual Percentage Rate. The APRs shown are current as of 5/31/13 and are available to a customer who has the credit score required by GRB for its best rate, whose loan or line of credit meets any applicable loan-to- value requirement and, in the case of a home equity loan or line of credit, whose loan or line of credit is secured by the customer’s primary residence. Higher APRs are available to customers who do not meet these criteria. All rates and terms are subject to credit qualification. GRB Home Equity Line of Credit minimum rate is 4.00% and maximum rate is 15.00%. Rates are subject to change without notice.

**A deposit relationship is defined as having payments auto-deducted from a GRB deposit account or direct deposit of income into a GRB deposit account.

Closing costs are estimated at $305.00 - $1063.00, but may be higher or lower depending on the final approval of the borrower’s credit limit amount. GRB will pay for all closing costs up to $2,500.00. If the home equity line of credit is closed within the first 36 months, the borrower will be required to reimburse GRB for closing costs paid. GRB reserves the right to charge the borrower all closing costs under certain circumstances.